Medicare Supplement Plans in Nebraska

Medicare Supplement plans in Nebraska, also called Medigap policies, help Medicare beneficiaries pay for healthcare costs. Medigap plans supplement Original Medicare insurance, so you have to be enrolled in Medicare Part A and Medicare Part B to qualify for Medicare Supplement insurance plans.

Medicare Supplement insurance plans in Nebraska cover the same services that Original Medicare insurance covers.

Medicare pays first; Medigap policies pay second and help cover your responsibility:

  • Coinsurance
  • Copayments
  • Deductibles

Medicare Supplement Insurance Plan options in Nebraska:

Medicare Supplement Insurance Plan F

Medicare Plan F has been the most popular of the Medicare Supplemental plan option in the state of Nebraska. It offers the broadest coverage to help with Original Medicare’s copayments, coinsurance and deductibles. Plan F pays for the Part B deductible, which is $233 in 2022, up from $203 in 2021.

Unfortunately, Plan F is now discontinued and only available to those who became eligible for Medicare before January 1, 2020.

Medicare Supplement Insurance Plan G

Medicare Plan G offers the most comprehensive coverage similar to Plan F, but it’s available for those who became eligible for Medicare on January 1, 2020, or later.

Medicare Supplement Insurance Plan N

With Medicare Plan N, you pay lower premiums but incur more out-of-pocket expenses. For example, plan N requires a $20 copay for medical appointments and up to $50 for emergency room visits.

Medigap plans in Nebraska do not cover services related to the following:

  • Prescription drugs
  • Dental
  • Hearing
  • Vision

If you want coverage for prescription drugs and are signing up for a Supplement instead of one of the Medicare Advantage Plans/Part C plans, you’ll need to sign up for a Medicare Part D prescription drug plan.

Top rated Medicare Supplement Insurance Companies in Nebraska

You have many options when selecting a private insurance company for your Medigap plans in the state of Nebraska. These companies are the most popular in your service area.

1. Cigna

In 2022, Cigna received a five-star rating from Medicare, the highest star rating possible. According to a J.D. Powers survey, Cigna’s Medicare Supplement plans have been recognized as one of the highest-rated health insurance companies for customer satisfaction. In addition, Cigna’s financial strength is rated A (Excellent) by A.M. Best.

Cigna is one of the only Medigap insurance providers to offer a 30-day money-back guarantee on their plans.

2. Aetna

Aetna’s healthcare network includes 1.2 million healthcare professionals, 690,000 primary care doctors, specialists, and over 5,700 hospitals, serving 22.1 million medical members. Aetna’s financial strength is rated A (Excellent) by A.M. Best.

In 2021, Medicare awarded Aetna an overall weighted average of 4.0 out of 5.0 stars.

3. Mutual of Omaha

Founded in our state in 1909, Mutual of Omaha Medicare supplement plans appeals to customers because of how efficiently it pays claims. For example, Mutual of Omaha pays 98 percent of claims within 12 hours. It also has an A.M. Best financial rating:(17) A+ (excellent) for Medicare supplement plans. In 2021, Mutual of Omaha received 2.5 stars out of a 5-star rating.

Medicare Supplement Insurance Cost in Nebraska

For the 68134 zip code in Omaha, Nebraska, here is the average monthly premium for a 65-year-old, nonsmoking female:

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

When Can I Enroll in a Medicare Supplement Plan?

This one-time period to sign up for a Medicare Supplement plan in Nebraska automatically starts the month you’re 65 and enrolled in Medicare Part B. During this time, you can buy any Medigap policy, even if you have health problems.

After this initial enrollment period, a Medigap policy may be more expensive because insurers can consider your health condition, including preexisting conditions.

Please note the Medigap open enrollment period is not the same as the Medicare Advantage open enrollment period.

At PolicyGuide, we can explain all the important deadlines, and we look forward to being the insurance agency you turn to for information about Medicare. Our friendly, knowledgeable guides will spend the time you need to feel comfortable picking the Medicare plan that will work best for you.

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Nebraska Enrollment Resources

Nebraska Department of Insurance

Nebraska Senior Health Insurance Information Program

Nebraska Association of Areas on Aging

Medicare.gov

Nebraska Enrollment Statistics

With about 1.9 million residents, Nebraska ranks 37th nationwide in population. The five most populated counties are:

Douglas

Lancaster

Sarpy

Hall

Buffalo

In 2017, roughly 15 percent of Nebraska’s population were seniors. Here’s more information about Nebraska’s seniors:

In 2018, 340,451 had Medicare.

Eighty-five percent had Original Medicare.

In addition, about 169,000 have Medigap policies.